Best Home Warranty Companies in Montana (2024)
A Montana home warranty protects major systems and appliances when they break down from normal wear and tear. Instead of paying for repairs out of pocket and finding a local contractor yourself, a home warranty provider will handle that for you in exchange for a monthly premium and a modest service call fee. After researching Montana home warranties, we recommend Liberty Home Guard as our top choice for its extensive list of over 40 add-ons and highest customer ratings of any home warranty we reviewed.
We reviewed the best home warranty companies in Montana using local homeowner needs, industry insights, and our secret shopping experiences. Whether you live in Great Falls or Helena, keep reading to determine which home warranty provider is best for you and your home.
Montana’s Top 4 Home Warranty Companies
The highest-rated Montana home warranty companies include the following:
Comparing Home Warranty Companies in Montana
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#1 out of 13 companies | #2 out of 13 companies | #3 out of 13 companies | #4 out of 13 companies | |
NR | B | A+ | B | |
Monthly Cost |
$49–$59 | $49–$109 | $44–$59 | $44–$47 |
Service Fees |
$65–$125 | $100–$125 | $70 | $60–$75 |
Customer Support Options |
Email, Phone, Online Chat, Online Portal | Phone, Online Portal | Email, Phone, Online Portal | Email, Phone, Online Portal |
Response Time |
Up to 48 hours | Up to 48 hours | Up to 48 hours | 48-84 hours |
Pros |
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Cons |
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Summary |
We recommend Liberty Home Guard for homeowners who need coverage for multiple HVAC systems and extensive add-on customizations. |
We recommend American Home Shield for homeowners who need comprehensive coverage for older homes. |
We recommend Elite Home Warranty for homeowners who want fully customizable plans and extensive add-on coverage options. |
We recommend Select Home Warranty for homeowners who need affordable HVAC-only coverage. |
Promotions |
$200 Off + 2 Months Free + Roof Leak Protection | Labor Day Sale: 50% OFF Select Plans | $150 off + 30-day free trial | Use code HOUSE25 for $150 off + 2 months free |
Rating Categories |
Liberty Home Guard | American Home Shield | Elite Home Warranty | Select Home Warranty |
Coverage |
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Value |
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Trustworthiness |
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Plan Transparency |
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Customer Support |
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Flexibility |
Company | BBB Rating | Monthly Cost in MT | Service Fee | Visit Site |
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NR | $49–$59 | $65–$125 | VISIT SITE | |
B | $59–$119 | $100–$125 | VISIT SITE | |
A+ | $44–$58 | $70 | VISIT SITE | |
B- | $44–$47 | $60–$75 | VISIT SITE |
*We based the pricing information in this table and throughout the article on sample quotes we obtained for a 1,824-square-foot, single-family home in Missoula, Montana. Your pricing may vary depending on your home’s location, size, type, and plan selections.
Our Reviews of Montana Home Warranties
What Is The Difference Between Home Warranty and Homeowners Insurance?
Homeowners insurance is required and protects your home and its items from damage during accidents, such as fires, floods, and thefts. A home warranty is optional and protects systems and appliances that break down due to normal wear and tear. To explore more about these service contracts, check out our article on the fundamentals of what home warranties cover.
Who Can Buy a Montana Home Warranty?
Real estate agents, home sellers, first-time home buyers, and seasoned homeowners can purchase a home warranty plan. For home buyers and homeowners, a home warranty can save you time and money when a home system or appliance breaks down. Home sellers and real estate agents can benefit from one by including a plan in the closing process and enticing potential buyers to close.
Annual Home Warranty Cost Calculator
Our team created a calculator to break down the estimated annual cost of owning a home warranty. Enter your monthly premium, service call fee, and estimated number of claims to see your projected annual cost. It’s best to request a quote directly from one of our recommended providers, as annual costs and service fees vary between them.
Appliance | Average Repair Cost | Average Replacement Cost |
---|---|---|
Dehumidifier |
$50–$200 |
$1,300–$2,800 |
Microwave |
$50–$400 |
$60–$2,000 |
Dishwasher |
$50–$500 |
$400–$3,000 |
Exhaust Fans |
$16–$300 |
$250–$950 |
Electric Range |
$100–$500 |
$230–$3,000 |
Gas Range |
$100–$500 |
$230–$3,000 |
Dryer |
$100–$400 |
$450–$2,300 |
Oven |
$100–$430 |
$400–$3,000 |
Washer |
$50–$450 |
$400–$2,300 |
Freezer |
$90–$500 |
$160–$2,900 |
Refrigerator |
$40–$350 |
$200–$5,000 |
Note: The annual cost figure generated by our home warranty calculator is not an indication of a company’s actual plan cost, as annual costs and service fees vary based on your plan selections and your home’s size, type, and location.
What Is The Best Home Warranty In Montana?
We recommend Liberty Home Guard for Montana homeowners because of its lengthy 60-day workmanship guarantee and its extensive list of unique add-on coverage options.
The Best Home Warranty Companies in Montana – Our Take
Liberty Home Guard is an excellent choice due to its responsive customer support, straightforward plans, and extensive add-on options. American Home Shield is another option for homeowners who want the reliability of a company that’s been around for decades. Before buying a home warranty, we recommend getting quotes from all three providers to compare pricing and coverage for your home.
Other Resources for Montana Residents
Our Rating Methodology
We back up our home warranty ratings and recommendations with a detailed rating methodology to score each provider objectively. We conduct research by speaking with company representatives, requesting quotes, analyzing sample contracts, and conducting focus groups and consumer surveys.
We score each provider against our review standards, which include four comparison categories: coverage, value, trust and transparency, and availability and service. We rate each provider across 31 factors within these categories. Each factor is assigned a point value based on its importance to a homeowner, totaling 100 points. We then convert the final scores to a 5-star rating.
Here’s a breakdown of our weighted factors:
- Coverage (40%): We scored coverage based on included home systems and appliances, add-on options, and unique benefits. We also compared coverage caps and policy exclusions.
- Additional coverage items
- Annual coverage cap
- Home systems coverage
- Major appliances coverage
- Obstructed wall coverage cap
- Value (30%): We compared the coverage level received to monthly pricing to determine plan value. We considered premium pricing, service fees, and flexibility in customizing plan costs.
- Average monthly cost
- Cost flexibility
- Lowest service fee
- Trust and Transparency (16%): We evaluated each company’s reputation using the Better Business Bureau ratings and customer reviews on third-party review sites. We read through plan change policies, workmanship protections, and sample contract availability.
- Brand reputation
- Policy change flexibility
- Sample contract availability
- Workmanship guarantee length
- Availability and Service (14%): We award higher scores for faster claim processing and response times. We also considered service technician policies, including options to choose your technician.
- Claims process
- Guaranteed response time
- Service flexibility
To share feedback or ask a question about this article, send a note to our Reviews Team at reviews@thisoldhousereviews.com.